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Act as an interpreter.

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Grant: Good morning, Mr. Brewer. Good of you to see me at such short notice.

Бруэр: Для таких солидных клиентов, как вы, м-р Грант, у нас всегда найдется свободное время. Чем могу быть полезен?

Grant: I want a loan ... or an overdraft ... right away. Twenty-five thousand.

Бруэр: Понимаю. 25 тысяч? Да, это очень большая сумма.

Grant: Not for me. You know how well the firm is doing.

Бруэр: Да, но, вероятно, фирма не в состоянии обеспечить гарантии выплаты ссуды, если вам требуется персональный заем.

Grant: Really, Mr. Brewer, this is rather unnecessary, isn't it? You have our record, my record, of business as your guarantee. You know me well enough to advance me an unsecured loan, surely.

Бруэр: Как вам известно, мне придется обратиться в наше главное управление, но они там будут исходить из моих рекомендаций, а я не думаю, что готов это сделать без того или иного обеспечения ссуды.

Grant: Oh? Well, what are you going to do about it? I can tell you one thing. If there's any question of not getting a loan, I'll consider taking my account, and that of the company, elsewhere.

Бруэр: Может, вам и придется об этом подумать, м-р Грант. Но, если позволите, я бы хотел заметить, что любой управляющий банком придерживался бы такой же точки зрения. Может быть, в такой ситуации более уместно хорошенько подумать, какую форму обеспечения ссуды вы могли бы нам предложить? У вас большой дом. Он заложен?

Grant: It is.

Бруэр: Очень жаль. Ваши права собственности на этот дом, могли бы быть замечательной гарантией. Стоимость дома какая, 20 тысяч?

Grant: Thirty. The mortgage is with the Albion Building Society.

Бруэр: Тогда есть возможность получить повторную закладную на вашу собственность. Хотя могу сказать вам откровенно, наше главное управление не очень-то одобряет перезалог ... Тем не менее, я мог бы порекомендовать им действовать именно в этом направлении.

Grant: How would you arrange the credit?

Бруэр: Ну, если согласятся в главном управлении, вы могли бы получить сразу всю сумму, и выплата включала бы 2%-ю надбавку к банковской процентной ставке, то есть всего 9%. Ссуда могла бы быть краткосрочной, ну, скажем, на три года.

Grant: Well, you work all that out. I accept your advice. All I want is the money, and I want it quickly.

Exercise 3

Listen to the following extract from the recording, which shows how the situation progressed after H.G.’s visit to the bank. Try to complete the gaps, using no more than three words in each case.

 

Grant: What did I tell you, Peter! After all that … … … I've got … … . The Bank Manager wasn't going to risk … … … . Well, we're saved. Wentworth can't get … … … to mine or … … . Aren't you pleased?
Peter: Of course I'm pleased ... but, you know, … … … Mr. Brewer was not at all … … of … … .
Grant: How do you know?
Peter: I went to see him … … … . He told me he was … … … what he called … … .
Grant: What did you say?
Peter: Oh, I talked a bit about … … … banks play … … … to expand. How … … … depended a great deal … … … and business sense - you know the sort of thing.
Grant: I don't see … … that would make.
Peter: One of these days I'll give you … … … on how to deal … … … . It was one of … … … I learnt after … … … .

 

 

Exercise 4

Match the terms on the left with an appropriate explanation on the right. Five of the phrases have more than one explanation. Fill in the grid below.

1. share a. percentage charge for borrowing money
2. interest b. a charge made (per cent per annum) on money lent
3. building society c. the document stating the name of the company; if it is limited or not; the registered address; the amount of share capital and how this is divided into shares
4. an overdraft d. amount of a cheque which is more than the money in the account on which it is drawn
5. authorized capital e. one of equal parts into which a firm’s capital is divided
6. Memorandum of Association f. further mortgage on a property which is already mortgaged
7. short-term loan g. amount of capital in the form of shares which a company is allowed to issue, as stated in the memorandum of association
8. the rate of interest h. payment made by a borrower for the use of money as a percentage of the capital borrowed
9. second mortgage i. an organisation of contributors who save money, invest in it, in return for interest, so that capital can be loaned to those wishing to buy a house
10. solicitor j. has to be repaid within a few weeks
    k. a lawyer who gives advice, and speaks on behalf of his clients in the lower courts
    l. what you buy if you invest money in a company
    m. money lent on the condition that it will be paid back before, or by, a certain date in the near future
    n. the acceptance of a loan with a property as a security which has already been mortgaged, but hasn’t been paid yet in full
    o. the amount of money which a company or person can withdraw from a bank account with the bank’s permission, and which is more than there is in the account

 



1. 2. 3. 4. 5. 6. 7. 8. 9. 10.
e, …                  

 


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